20372 Cottswold Ter, Sterling, VA 20165 Property Records

Loudoun County property record for 20372 Cottswold Ter, Sterling, VA 20165

Property Summary

Property Type	Townhouse
Details	4 ba · 2,694 sqft · built 1998
Owner	2 Individual Names on Record
Last Sale	$322,500 (Aug 2001)
Tax Bill	$5,627 (2023)
Deeds & Mortgages	Jul 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`002-15-1038-002`

Property Details

APN / Parcel Number

Primary APN	`002-15-1038-002`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	3 Stories
Building Area	2,694 sqft Living Area
Gross Area	3,074 sqft
1st Floor Area	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Garage Type	Basement
Garage Area	380 sqft
Deck Area	176 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20372 COTTSWOLD TER
City	STERLING
State	VA
Zip	20165-5160
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PDH4
Legal Description	MEDINAH HOMES CONDO PH.3 1976--1543 UNIT 64
Legal Subdivision	MEDINAH HOMES
Legal Phase	3
Legal Unit	64
Jurisdiction	LOUDOUN VA
Township / Civil Division	Washington-Arlington-Alexandria, DC-VA-MD-WV
Census Block Group	1
Census Block	1000
Census Tract	611208

Owner

Source: Loudoun County records, as of September 27, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20372 COTTSWOLD TER, POTOMAC FALLS, VA 20165-5160
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2001 · Amount on Record
Deed Sale	Aug 1, 2001 · Amount on Record
Deed Document Number	0019761543
Deed Book / Page	1976 / 1543
Record Updated	Jun 7, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20372 COTTSWOLD TER, STERLING, VA 20165-5160
Transaction Type	Mortgage
Record Updated	Oct 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041689
Date	Jul 18, 2022
Instrument	202207180041689

Lender

Name	PNC BANK NATIONAL ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jun 15, 2062

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Loudoun County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	Virginia
County	Loudoun County
Unified School District	Loudoun County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$5,627.00	$643,170 Land $200,000 Building $443,170	$643,170 Land $200,000 Building $443,170

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2008–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2020 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LOUDOUN WATER - CENTRAL SYSTEM serves 334,808 people · EPA ID VA6107350
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 419 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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